mississippi postal employees federal credit union

ORGANIZED APRIL 29, 1935
CHAPTER NUMBER 48
MISSISSIPPI POSTAL EMPLOYEES
FEDERAL CREDIT UNION
1st Quarter
DIVIDEND CORNER
Dividend for
March, 2016
Regular Shares
30% APY
I.R.A. Shares……...…….…1.00% APY
Share Draft
30% APY
Christmas Club……..……..0.25% APY
Share Certificates of Deposit:*
1 year
0.60% APY
2 year……………..…………..0.85% APY
3 year………….….…………..1.11% APY
4 year……………..…………..1.36% APY
5 year………….….…………..1.61% APY
*Rates are subject to change. For
Information on Savings, Fees or
Terms applicable to advertised
accounts, call the Credit Union
Office. Minimum $500.00 to
open, compounded monthly.
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2016-2017 NON-BUSINESS DAYS
Martin Luther King’s Birthday
January 18
Presidents’ Day—February 15
Memorial Day—May 30
Independence Day—July 4
Labor Day—September 5
Columbus Day—October 10
Veterans Day—November 11
Thanksgiving Day—November 24
Christmas Day—December 26
New Year’s Day—January 2, 2017
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** See our website…….
Specials and Discounts!
www.mpefcu.com for current
loan rate specials.
LOAN RATES
(Per Credit Category)
Vehicles…………….......6.5% to 18.0%
Line of Credit……......11.0% to 18.0%
Discount: .25% (1/4%) discount for
Credit Union VISA account or
Share Draft/Checking account
MAXIMUM DISCOUNT .50%(1/2%)
VISA……………………10.0% to 18.0%
SHARE SECURED VISA……..4.25%
See Addendum for complete rates.
SPRING 2016
LOANS - LOANS - LOANS
Way Better Than Backseat Driving!
Drivers never want to hear: Turn here. Speed up. Do
you know where you’re going? But one thing they
definitely want to hear: We can save you money.
Which is exactly what you’ll hear from MS Postal
Employees FCU. Our low-rate auto loans are quick and easy…and we’ll never ask,
“Are we there yet?” We’re here to help!
When it comes to Auto Loans, MPEFCU is all about being helpful. We offer:
• Rates as low as 1.74% APR*
• Available for both new and used vehicles
• Terms up to 60 months and
• No application fees
Get Going Today! With a low-rate Auto Loan from us, you can get a new vehicle
and be on your way in no time. Apply online or in person.
*All loans subject to credit approval. Some restrictions may apply. Rates expressed as Annual
Percentage Rates (APR). Rate based on credit performance and is determined at time of
application. Promotional rate includes .50% Share Draft discount, .50% VISA discount
and .25% online discount.
ANNUAL MEETING OF
MEMBERS
We really enjoyed seeing all of you at
our 81st ANNUAL MEETING of
MEMBERS. The food was excellent as
well as the fellowship. If you missed it,
be sure to mark your calendars for next
year-March 6, 2017.
Congratulations to our 2016 Door Prize Winners:
$100 Winners~ Warren Bagley and John Steven Moudy
$50 Winners~ Katie Nelson and Donald Keith
$25 Winners~ Angie Spell, Vernon White, Yvonne Steel, Sundrenia
Thigpen, David Kinnison, Gregor Patti, John K. Sturgis, Ruby Harris,
Nancy Hemphill and Tonia Vance.
As always, THANK YOU for allowing us to serve you!
1HZV
MEMBER SERVICES
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•
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Share Account (Savings)
Share Draft (Checking)
ATM Cards
I.R.A.’s
Christmas Club Accounts
Direct Deposit
Eagle Express 24-hr. Teller
Loans:
Vehicles
Share Secured
Signature
Real Estate
Home Equity
VISA Credit Cards
Payroll Deduction
Credit Life & Disability Insurance
on Loans
Share Certificate
Notary Service
Cashier’s Checks
Home Banking
E-statements
Mobile Banking
Text Alerts
Bill Payment
Debit Cards
Shared Branching
Safe Deposit Boxes
CEO's MESSAGE
The mission of MS Postal Employees Federal Credit Union
is to promote thrift among its members by affording them
an opportunity to accumulate their savings and to create for
them a source of credit for provident or productive
purposes.
Our vision is to help members achieve their financial
dreams. These dreams are as varied as our members and can
range from the purchase of a first vehicle to retirement.
Whatever the dream, your ability to make solid financial decisions will help you get
there faster. This is why we are committed to providing you with easy access to a
variety of tools that can help you better understand how to make the most of your
money.
Visit us online, call the credit union or come by our branch. However you choose to
interact with us, we look forward to the opportunity to serve you.
---Katie H. Nelson
BOARD OF DIRECTORS
Jim Hankins, Chairman
Steve Vernamonti, Vice Chairman
LeVinso Collins, Sec./Treasurer
Al Ponder
Judy Presley
Willie Liddell, Jr.
Danny Williams
CREDIT UNION STAFF
Exclusive Offer for
Credit Union Members
Katie Nelson, CEO/Manager
David Kinnison, Asst. Manager
Tammy Henderson, Loan/Collection Mgr.
Valerie Linson, Office Manager
Kim Godziszewski
Jannie Luckett
Ann Robinson
Carrie Sanders
Jessica Spears
Jamelle Wells
Brittany White
Offer is available to be combined with existing offers. Good for new and existing C Spire
customers. To take advantage of this offer,
contact your credit union to request a flyer
and bring it, along with a membership card,
credit union statement, personal check or a
NOTICE:
form of credit union ID to a C Spire
store near you.
The Credit Union newsletter is an official publication of Mississippi
Postal Employees Federal Credit Union.
This newsletter serves as an official notice to the Credit Union membership of
all matters contained within.
MISSISSIPPI POSTAL
EMPLOYEES
FEDERAL C.U.
P. O. Box 567
Jackson, MS 39205-0567
Physical Address: 567 S. State St.
Jackson, MS 39205
Telephone: 601-355-6363
MS WATS: 1-800-698-7570
Eagle Express: 1-800-508-9674
FAX: 601-355-2567
SUPERVISORY
COMMITTEE
P. O. Box 3893
Jackson, MS 39207-3893
"When I'm Gone" by Mrs. Lynn Hancock
When I come to the end of my journey and I travel my last
weary mile, just forget if you can, that I ever frowned and
remember only the smile. Forget unkind words I have spoken. Remember some good I have done. Forget that I ever
had heartache and remember I've had loads of fun.
Forget that I've stumbled and blundered and sometimes fell
by the way. Remember I have fought some hard battles and
won, ere the close of the day. Then forget to grieve for my
going. I would not have you sad for a day. But in summer just
gather some flowers and remember the place where I lay.
And come in the shade of evening, when the sun paints the sky in the west; stand
for a few moments beside me and remember only my best.
All gave some...Some gave all. Remember them this MEMORIAL DAY 2016
TO OUR RE-ELECTED BOARD MEMBERS:
Judy Presley
Steve Vernamonti
Danny Williams
We would like to thank you for everything you have done and will
continue to do for our members as well as the credit union staff!!
INFORMATION CENTER
EAGLE EXPRESS for the WEB - If you have NOT logged into your Online Banking within a year , your
online access will be deactivated for use at a later date. To avoid deactivation, please log into your account at your
earliest convenience.
RETURN MAIL - Don’t forget. All return mail is charged a $5 per envelope fee. Address changes can be handled
via online banking, mail, email, fax or in-person.
DORMANT ACCOUNTS - All dor mant accounts, with a balance of less than $100, ar e char ged a nonrefundable monthly fee of $10. Don’t throw away unnecessary money. Avoid dormant fees by making a transaction at
least once a year.
SCHOLARSHIPS - Each year , your cr edit union offer s 2 scholar ships to member students in good standing.
You must be enrolled in an undergraduate program at a Junior College or a 4-year College or University. Additional
details are available our website www.mpefcu.com.
5 WAYS TO USE YOUR TAX REFUND
Income taxes are due. Some people will owe, some people will break even or owe very little,
and some people will walk away with a refund. In 2015, the average refund was $2,800,
which is no small amount! If you’re hoping or expecting to receive a similar refund this year,
here are some thoughts about how you might use that windfall cash.

Put it toward credit cards or other high-interest debt. It might seem boring, but moving yourself away from
debt is pretty practical, particularly given that the interest rates on credit cards or other loans can be taking away
from you more than you might think.

Invest. Try a IRA (1.00% APY) or start a credit union checking account (0.30% APY)—let your money earn you
some money.

Deal with home maintenance. If you’ve been putting off repairs or neglecting to update appliances because
they’re too expensive, this is a great chance to take care of the necessities. Ensuring that your home is shipshape
now might mean that you’ll ward off more expensive repairs in the future.

Donate. If you’ve got a favorite charity or cause, you could take the opportunity to support it with a monetary
donation. You’ll help the organization with its mission and might have a chance to write off the donation on next
year’s tax returns (check with a certified tax advisor to be certain).

Take a fun vacation. If your financial ducks are in a row and you feel like you
can splurge on yourself a little, take that vacation you’ve been longing for. The
relaxation and time away from the regular grind can help reduce daily stresses and
make the rest of the year more bearable.
Remember, too, that you could try a mix of the above suggestions. No matter what,
just be sure you don’t have remorse over your choice!
THESE ARE MEMBER OWNED BUSINESSES:
ACG NATURAL RESOURCES
CONSULTANTS, LLC
Alvin Willey, Consultant
FRANKIE’S KIDDIE LAND
Cheryl Warren, Owner
290 Sheppard Rd., Jackson, MS 39206
Ph: 601-981-8847 Cell: 601-500-0667
601-854-8742 / 601-278-4748
BILBREW PAINTING
Corey Bilbrew, Owner
601-941-3199
BILBREW REALTY, INC.
Robert A. Bilbrew, Sr., Sales/Marketing Manager
Cell: 601-559-7130
Office/Fax: 601-859-5095
[email protected]
BLOOMERS PETALS AND PRESENTS
Terry Overstreet & Don Moore
137 N. Madison, Kosciusko, MS 39090
662-290-8551 / Fax: 662-290-8552
CHADWICK ACADEMY
Cheryl Warren, Owner
402 Sheppard Rd., Jackson, MS 39206
Ph: 601-981-8814 / Cell: 601-500-0667
CHANGING SKIN/CHANGING LIVES
Rodan + Fields Dermatology
Kathy Horne, Consultant
[email protected]
PH: 601-946-5977
COME CLEAN AUTOMOTIVE DETAILING
William Gore, Detail Technician
601-454-0100, By Appointment Only
COUNTRY HAVEN
Massage Therapy
Kellye P. Bullock, LMT, MBMT #81
2043 Henry Rd., Crystal Springs, MS 39059
601-946-5675
COUPLES ENTERTAINMENT
Cheryl Warren, Owner
4511 Byrd Dr., Jackson, MS 39209
601-500-0667
CREATIVE DESIGNS
All Occasions
Hilda Bennett, Designer
[email protected]
601-896-2641
WILL J. DAVIS ABOC
Certified Optian - Odoms Eyecare
601-977-0272
ENVISION EYE CARE
1625 Simpson Hwy 49, Magee, MS 39111
601-849-2822
ENVISION EYE CARE
Tonyatta Hairston
3139 North State Street, Jackson, MS 39216
601-987-3937
GWEN M. LEFLORE REALTY
BROKER/REALTOR
Cell: 601-260-8061
Home/Business: 601-267-9965
HOW DO YOU WANT IT REMODELING
James Johnson, Owner
601-238-5349
JEREMY SWAYZER
Piano / Vocal Lessons
601-354-6867
MARY KAY COSMETICS
ALLENA PRICE
Independent Beauty Consultant
www. marykay.com/aprice13
601-459-0978
MARY KAY INDEPENDENT BEAUTY
CONSULTANT
TERESA CASSIDY
601-927-5249
ROY BROWN
Senior Sales Consultant
Rogers-Dabbs Chevrolet - Brandon, MS
601-825-2277
[email protected]
SAVING GRACES
Charlotte McDonald Portraits & Alterations
511 Meade Ct., Pearl, MS 39208
(H) 601-664-7027 • (C) 601-941-8474
STATE FARM
Lazarus Taylor, Multiple Line Representative
500 Clinton Parkway, Clinton, MS 39056
Business # 601-924-3090
[email protected]
SWEET POTATO SWEETS
P. O. Box 325, Vardaman, MS 38878
Ph: 662-682-9647 / Fax: 662-682-9450
www.sweetpotatosweets.com
SPECIALTY HEALTHCARE
Nursing Agency
Kakeyla Manning, Owner
P. O. Box 292, Raymond, MS 39154
601-613-2666
www.shnams.com / Email:
[email protected]
MATHEWS FARM
Virginia (Gigi) and Hugh Leigh
273 Davey Dr., Benton, MS 39039
662-673-2722
MOORE’S USED AUTO SALES LLC
Sandra Moore-Johnson
304 South Gallatin Street/Jackson, MS 39207
PH :601-360-0083/Cell: 601-720-9886
[email protected]
PRIMERICA
Felisa Goodrich Williams, Senior Representative
301 Highland Park Cove, Ste. C
Ridgeland, MS 39157
Phone: 601-454-5667 Business: 601-213-3590
[email protected]
PROJECT AHEAD>>
Americans helping educate
Americans with disabilities
Founder/CED, Bulus E. LeFlore, Jr.
Home: 601-267-9965 / Cell: 601-506-8963
RENE’ VARNADO
Life Coach and Process Server
P. O. Box 1967
Florence, MS 39073
769-226-3277
RODAN+FIELDS DERMATOLOGISTS
Nancy Coco, Executive Consultant
Phone: 601-906-9717
[email protected]
STARLIGHT MAID-JANITORIAL &
WINDOW CLEANING SERVICES, LLC
Charlene Cooper, Proprietor
Office: 601-622-1557 / Fax: 601-977-9066
[email protected]
THE BEEF JERKY OUTLET
William and Jennifer Vancor, Owner
257 Ridge Way
Flowood, MS 39232
601-672-2232
TJ MAC ENTERPRISES
213 Depot St., Woodville, MS 39669
601-888-1838 or 225-324-0282
[email protected]
TRIPS-N-TOURS TRAVEL, LLC
Customized and/or Personalized Travels
Princets L. Cotton, Travel Specialist 601-366-1063
Anthony Puckett, Travel Consultant 601-594-3317
VAN “GLORIOUS” WILLIAMS
Sales Consultant
Paul Moak Honda
601-566-5784
[email protected]
VIDEO VISION& CENEMATIC MOTION
Bruce Polie, Owner
601-826-4585
WHITE’S SECURITY
Dorothy White, Vice President
601-982-9684 or 601-955-8104
Readers’ Comments are welcome. Write to Carrie Sanders, P. O. Box 567, Jackson, MS 39205-0567